Fold Holdings, Inc.
Fold Holdings, Inc. (NASDAQ: FOLD) operates as a bitcoin-focused financial services company dedicated to expanding consumer access to bitcoin through an integrated suite of financial products. Founded in 2019 and publicly listed following a merger with FTAC Emerald Acquisition Corp. in February 2025, Fold provides a… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Fold Holdings, Inc. does
In the company’s own words
Fold Holdings, Inc. (NASDAQ: FOLD) operates as a bitcoin-focused financial services company dedicated to expanding consumer access to bitcoin through an integrated suite of financial products. Founded in 2019 and publicly listed following a merger with FTAC Emerald Acquisition Corp. in February 2025, Fold provides a comprehensive banking and payments platform that seamlessly connects traditional financial services with bitcoin-based functionality.
The company's core product offerings include an FDIC-insured checking account through Sutton Bank, a Visa prepaid debit card, bill payment services, a bitcoin rewards credit card launched in March 2026, a bitcoin gift card, and an extensive merchant rewards network. Fold partners with BitGo, a federally chartered national trust bank, to provide bitcoin custody, buying, and selling services across all fifty states. The platform enables customers to earn bitcoin rewards through everyday purchases, accumulate bitcoin through recurring investments and round-up features, and access institutional-grade custody infrastructure.
As of December 31, 2025, Fold served nearly 84,000 verified accounts on its platform. The company's customer base skews toward financially sophisticated demographics, with 83 percent of users between ages 25 and 54, 71 percent earning household incomes exceeding $100,000 annually, and 81 percent maintaining credit scores of 700 or higher. The company's website is located at fold.com.
Fold's business model centers on positioning itself as a trusted entry point for consumers seeking to incorporate bitcoin into everyday financial activity. The company maintains a bitcoin treasury strategy, holding bitcoin as corporate reserves to align with customer offerings and provide exposure to long-term bitcoin value appreciation. Strategic partnerships with Marqeta, Visa, Stripe, and Celtic Bank support card issuance, payment processing, and credit card program operations. Fold differentiates itself through user-friendly interfaces, low-barrier entry points, and diverse product utility compared to traditional cryptocurrency exchanges, positioning the company to capitalize on generational wealth transfers and increasing institutional adoption of bitcoin as a legitimate asset class.
Company details
- Sector
- Financials
- Industry
- Finance Services
- Headquarters
- PHOENIX, AZ
- Fiscal year end
- December
- CIK
- 1889123
- SIC
- 6199
Financial performance, year by year
Fiscal 2022–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Fold Holdings, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Fold Holdings, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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